| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL FINANCIAL BENEFIT SOLUTIONS3 | 4 NORTH PARK DRIVE SUITE 400 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC./GHMSI | $20K | $20 | $20K | 2.81% |
| MISCELLANEOUS AGENTS5 Filed as: MISCELLANEOUS - UNNAMED | — | CAREFIRST BLUECHOICE, INC./GHMSI | $5K | — | $5K | 0.71% |
| CAPITAL FINANCIAL BENEFIT SOLUTIONS3 | — | DELTA DENTAL PA | $6K | — | $6K | 10.00% |
| KAREN A DEVINE3 | 21071 LARKSPUR COURT LEONARDTOWN, MD 20650 | AFLAC | $2K | $41 | $2K | 4.49% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW STREET WALDORF, MD 20603 | AFLAC | $975 | — | $975 | 2.13% |
| CEDAR POINT FINANCIAL SERVICE INC3 | 22745 MAPLE ROAD LEXINGTON PARK, MD 20653 | AFLAC | $905 | — | $905 | 1.97% |
| MICAHEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $458 | $8 | $466 | 1.02% |
| RWA INSURANCE3 Filed as: RWA INSURANCE INC | 22934 THREE NOTCH ROAD SUITE B CALIFORNIA, MD 20619 | AFLAC | $250 | — | $250 | 0.55% |
| KEVIN V THOMAS3 | 2801 SCENIC MEADOW STREET WALFORF, MD 20603 | AFLAC | $188 | — | $188 | 0.41% |
| JENNIFER D EBAUGH3 | 1670 MOHEGAN DRIVE UNIT D HAVRE DE GRACE, MD 21078 | AFLAC | $145 | — | $145 | 0.32% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $121 | — | $121 | 0.26% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $119 | — | $119 | 0.26% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $118 | — | $118 | 0.26% |
| JOSEPH M BRZECZEK3 | 1012 WEST STATE COLLEGE ROAD SUITE 203 DOVER, DE 19904 | AFLAC | $68 | $8 | $76 | 0.17% |
| CATHERINE A WHEATLEY3 | 21393 HAWKBIT COURT LEXINGTON PARK, MD 20653 | AFLAC | $67 | — | $67 | 0.15% |
| MARK D STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21046 | AFLAC | $60 | — | $60 | 0.13% |
| DAWN M WITTFELT3 | 810 RIVER ROAD SYKESVILLE, MD 21784 | AFLAC | $46 | — | $46 | 0.10% |
| KELLY BRZECZEK3 | 1012 W STATE COLLEGE ROAD SUITE 203 DOVER, DE 19904 | AFLAC | $33 | $9 | $42 | 0.09% |
| SHEM J BOSTICK3 | 1325 MOUNT HERMON ROAD SUITE 13B SALISBURY, MD 21804 | AFLAC | $32 | — | $32 | 0.07% |
| MATTHEW D DIPASQUALE3 | 403 SOUTH EAST AVENUE BALTIMORE, MD 21224 | AFLAC | $31 | — | $31 | 0.07% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 22.21% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.94% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 22.26% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC./GHMSI | 53 | $716K |
| Dental | DELTA DENTAL PA | 77 | $58K |
| Vision | CAREFIRST BLUECHOICE, INC./GHMSI | 53 | $716K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 101 | $15K |
| Short-term disability | AFLAC | 56 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $15K |
| Prescription drug | CAREFIRST BLUECHOICE, INC./GHMSI | 53 | $716K |
| Other(4 contracts, 3 carriers) | AFLAC | 121 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.